Such policies are nothing less than hidden attempt to reject most claims. Many policy conditions are written in such ambiguous fashion that the TPA and/or Insurance companies can reject any claim at their will and discretion. Before signing for any policy, one needs to go through and understand all conditions laid down in the policy/prospectus. Unfortunately, these conditions of the policies are written in such a language that these can be turned and twisted by the TPA/ Insurance Companies. If someone requests them to send a ‘rejection letter’ , for that also TPA insists that all their procedures must be completed.